• In-depth financial analysis to include: complex financial statements and tax returns (K1 specialist), bank statements, and cash flow analysis (DSCR & Asset Depletion models).• Ensuring that appraisal meets standard secondary market investor requirements per agency guidelines for multi-family units, condos, and single-family homes. • Issuing appropriate decision standardized notifications in the loan origination system per RESPA standards and company policy for new construction, existing homes, multi-units, manufactured homes, and cash-out refinance.• Guaranteeing 100% accuracy on all loans with no QA results to be sold on the secondary market. • Communicating with sales managers and brokers on loan decision offering alternative financing on eligible loans that cannot be approved as initially submitted. • Helped correct and research certain guidelines to closely match government guidelines. Self-motivator, non-supervised position.

• Examining credit/income, both self-employed and wage earners /asset documentation submitted in order to make a sound determination of creditworthiness per guidelines, utilizing department-approved checklists, worksheets, and automated underwriting systems.• Ensuring that appraisal meets standard secondary market investor requirements per agency guidelines for multi-family units, condos, and single-family homes. • Issuing appropriate decision standardized notifications in the loan origination system per RESPA standards and company policy for new construction, existing homes, multi-units and refinance.• Guaranteeing 100% accuracy on all loans with no QA results to be sold on the secondary market. • Communicating with sales managers and brokers on loan decisions offering alternative financing on eligible loans that cannot be approved as initially submitted.

• Government Loan Underwriter (FHA/VA/Conv.). Analyzing credit/income self-employed and wage earners/asset documentation submitted in order to make a sound determination of creditworthiness per guidelines, utilizing department-approved checklists, worksheets, and automated underwriting systems.• Ensuring that appraisals meet standard secondary market investor requirements per guidelines or HUD requirements per FHA and VA guidelines for multi-family units, condos, and single-family homes. • Issuing appropriate decision standardized notifications in the loan origination system per RESPA standards and company policy for new construction, existing homes, multi-units and refinance. • Second-level review of new underwriter test cases. • Communicating with sales managers and brokers on loan decisions offering alternative financing on eligible loans that cannot be approved as initially submitted. • Helped correct and research certain guidelines to closely match government guidelines. Self-motivator, non-supervised position.

• • Government Loan Underwriter (FHA/VA). Evaluating credit, income both self-employed and wage earners, and asset documentation submitted in order to make a sound determination of credit worthiness per guidelines, utilizing department-approved checklists, worksheets, and automated underwriting systems. • Ensuring that appraisals meet standard secondary market investor requirements per guidelines or HUD requirements per FHA and VA guidelines. • Issuing appropriate decision standardized notifications in the loan origination system per RESPA standards and company policy for new construction, existing homes, multi-units and refinance.• Set goals to receive my SAR/Lapp VA certification so that company can bring in more VA loans helping with increased revenue.

• Performing due diligence in reviewing collateral, credit report, income, and asset documentation submitted to decide on creditworthiness per guidelines, utilizing department-approved checklists, worksheets, and automated underwriting systems.• Ensure that property appraisals meet lender standards and secondary market investor requirements per guidelines or HUD requirements. • Interface and resolve open issues with brokers, loan officers, processing, and management. • Kept up-to-date on agency guidelines (Fannie Mae, Freddie Mac, FHA, Rural Housing, and bond programs), plus received my Sar/Lapp certification for VA loans.

• Performing due diligence in reviewing collateral, credit report, income, and asset documentation submitted to make a sound determination of creditworthiness per guidelines, utilizing department-approved checklists, worksheets, and automated underwriting systems.• Ensuring that property appraisals meet lender standards and secondary market investor requirements per guidelines or HUD requirements. • Interfacing and resolving open issues with loan officers, processing, and management. • Keeping up-to-date on agency guidelines (Fannie Mae, Freddie Mac, FHA, Rural Housing, and bond programs), plus received my DE certification for FHA Loans to increase companies portfolio of products.

• Responsible for reviewing, analyzing, approving, and underwriting, unusual or complex conventional loans within company industry guidelines. • Ensuring that appraisals meet market investor requirements. Keeping up-to-date on internal underwriting procedures. • Working closely with processors and loan officers at all levels. • Lending authority up to 750k and LADS approved. Chase has over 2000 underwriters and was ranked top 18 percent.

Meet production expectations and bring to the attention of quality management practices or processes that adversely affect the quality of loan files or otherwise put the bank at risk. Review title, credit, income, and RESPA compliance. Provide excellent customer service experience plus promote a culture that is quality, and process improvement oriented.